Author: Nisha Chawla

As the festive season kicks in, many people in India start planning big purchases, like buying a new car. This year, several banks are offering exciting car loan deals with low interest rates, attractive EMI options, and even zero processing fees to make it easier for you to own your dream car. We’ve gathered some key information about the best car loan offers from top banks to help you make an informed decision. Car Loan Essentials: What You Should Know Before diving into the bank-wise details, it’s important to understand some basics about car loans: Bank-Wise Car Loan Offers for…

When faced with an urgent need for a large sum of money, many people turn to loans. However, if you’re self-employed or have lost your job, getting a personal loan can be challenging, and even if approved, the interest rates are often high. In such situations, a loan against property (LAP) can come to your rescue. Whether you own a residential or commercial property, you can use it as collateral to secure a substantial loan amount at lower interest rates. Here’s everything you need to know about taking a loan against property and how it can be beneficial for you.…

For those who are self-employed, such as freelancers, gig workers, or small business owners, managing money can be more challenging compared to salaried individuals. Without the security of a fixed monthly paycheck, it becomes crucial to carefully plan finances to ensure both stability and future growth. While income can fluctuate from month to month, with some months bringing in more than expected and others much less, strategic financial planning can still provide long-term security. Here are some simplified financial planning tips designed to help self-employed people manage their irregular income effectively. 1. Set Up a Baseline Budget for Essentials The…

The festive season in India is a time when everyone indulges in shopping, whether it’s for Dussehra, Diwali, or the ongoing sales. But did you know that by choosing the right credit card, you can enhance your shopping experience with great cashback offers, reward points, and special discounts? Whether you shop online or offline, many credit cards offer exciting benefits that can make your festive season even more rewarding. In this guide, we’ll take a look at some of the best cashback credit cards that you can use during this festive season and get the most value for your money.…

Fixed Deposits (FDs) are a popular investment option for those looking for safe and steady returns. The interest rates offered by banks on FDs vary, and with the upcoming RBI Monetary Policy Committee meeting, interest rates may be revised soon. If you’re looking to invest in an FD, it’s essential to know the latest rates offered by major banks like SBI, HDFC Bank, and ICICI Bank. Here’s a comparison of FD rates offered by these three leading banks. SBI FD Interest Rates (October 2024) SBI offers interest rates for general and senior citizens, with higher returns for senior citizens. Here’s…

In the unpredictable journey of life, preparing for unforeseen events is crucial. One essential step in securing your financial assets is appointing a nominee for your bank accounts, insurance policies, and investments. The story of Rohit (name changed), a young professional who faced significant challenges after his untimely death, highlights the importance of this simple but vital action. Without a nominee, his family struggled to access the funds he had worked hard to accumulate. This situation serves as a wake-up call for everyone. What is a Nominee? A nominee is a person designated to manage and withdraw funds from an…

Good news for travel lovers! ICICI Bank has teamed up with MakeMyTrip, one of India’s top online travel platforms, to introduce a new co-branded credit card that offers amazing benefits for those who love to explore. This credit card is designed to make your travel experience better while saving you money, especially during the festive season when many plan their holidays. Incredible Rewards and Discounts The ICICI Bank MakeMyTrip credit card is packed with advantages for its users. Here’s what you can expect when you use this card: Affordable Fees and Special Offers The ICICI Bank MakeMyTrip credit card comes…

In today’s digital world, making financial transactions has become easier than ever. However, this convenience comes with the increasing risk of cyber crimes. Fraudsters are constantly finding new ways to exploit unsuspecting individuals and businesses. To keep your money safe and avoid falling victim to these cyber attacks, it’s crucial to adopt effective safety measures. Understanding Cyber Attacks Cyber attacks can take various forms, with ransomware and phishing being the most common. Ransomware involves hackers locking your device and demanding payment to restore access. On the other hand, phishing attacks trick you into revealing sensitive information, such as passwords or…

During the festive season, you’ll find a flood of offers, discounts, and deals. One popular option many customers are drawn to is the No-Cost EMI. It sounds great — the promise of purchasing high-ticket items without paying the full price upfront and in easy installments. It’s an offer that e-commerce sites and retailers push aggressively, but is it as good as it sounds? Let’s take a deeper look at what no-cost EMI really offers and the hidden costs you might not be aware of. The Illusion of “No Cost” EMI At first glance, the concept of no-cost EMI seems like…

Google Pay users in India have a reason to celebrate as the popular payment platform has expanded its services, making loans more accessible. During the 10th edition of the Google for India event, the tech giant announced partnerships with Muthoot Finance and Aditya Birla Capital, allowing users to avail gold loans and personal loans through the app. Gold Loan Now Available Through Google Pay One of the biggest announcements was the launch of a gold loan feature on Google Pay. Thanks to a collaboration with Muthoot Finance, users can now take out a gold loan of up to Rs 50…